Work in rand
Values are configured for South African vehicle prices and shown in ZAR.
Free vehicle-finance estimate
See What Your Car Finance Could Look Like
Adjust the vehicle price, deposit and repayment term to estimate your monthly instalment in rand.
✓ No obligation
✓ Instant estimate
✓ No personal data required
Car Finance Calculator
Change the details and see your estimate update instantly.
R
R100 000R2 000 000
R
Repayment term
Your indicative estimate
Estimated monthly instalment
R9 189
per month
- Amount financed
- R400 000
- Illustrative rate
- 13.75% p.a.
- Estimated total
- R551 340
Check Vehicle Finance Options
You will leave FinOptiva and open the provider's official website.
Important: This calculator provides an illustrative estimate only. It is not a quote, credit offer or guarantee of approval. Actual rates, fees, instalments and eligibility depend on the provider, the vehicle and your individual financial profile. A deposit-free option may not be available to every applicant.
Plan before you apply
Use the estimate to compare realistic scenarios
A lower deposit can preserve cash today, while a longer repayment term can reduce the monthly instalment but increase the total amount repaid.
Compare deposits
Test no-deposit and deposit scenarios without submitting personal information.
Compare terms
See how 24 to 72 months changes the indicative monthly instalment.
How it works
A quick estimate, not an approval decision
1
Enter the approximate vehicle price.
2
Choose a deposit and repayment term.
3
Review the estimate and continue to the official provider if you want to explore eligibility.
Common questions
Can I get car finance with no deposit?
Some providers may finance up to 100% of a vehicle's value, but availability depends on affordability, credit assessment, vehicle criteria and the provider's lending rules.
Is the calculated instalment guaranteed?
No. The calculation is illustrative and excludes provider-specific fees, optional products and individual pricing. The provider's official quotation is the authoritative figure.
Does using the calculator affect my credit profile?
No personal information is requested or submitted when you change the calculator values. A provider may conduct its own checks if you continue and apply on its website.